P&A Heist
ActiveThe computed 12-month bankruptcy probability of P&A Heist is 2.8% (moderate). The 2025 annual accounts show equity of €147k and a net result of €83k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 13061 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency49▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.06 in 2024), and 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.9%
Return on assets
17.9%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
20 d late
2024
2 d early
2023
15 d early
2022
25 d early
2021
85 d late
2020
89 d late
2019
70 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▲ 3.9%
2024 · €142k
2019: €-5k
2020: €37k
2021: €85k
2022: €116k
2023: €117k
2024: €142k
2019 → 2025
Total assets
€462k▼ 16.6%
2024 · €554k
2019: €530k
2020: €564k
2021: €592k
2022: €571k
2023: €566k
2024: €554k
2019 → 2025
Net result
€83k▼ 7.5%
2024 · €89k
2019: €-25k
2020: €42k
2021: €49k
2022: €51k
2023: €69k
2024: €89k
2019 → 2025
Working capital
€-3k
2024 · €8k
2019: €-98k
2020: €-79k
2021: €-34k
2022: €-10k
2023: €-17k
2024: €8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€116k▲ 35.9%€117k▲ 1.2%€142k▲ 20.7%€147k▲ 3.9%
Operating result€70k-€81k▲ 16.0%€99k▲ 23.0%€127k▲ 27.6%€113k▼ 10.7%
Net result€49k-€51k▲ 4.0%€69k▲ 36.7%€89k▲ 29.0%€83k▼ 7.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €462k
Fixed assets
€399k▼ 3.6%
Current assets
€63k▼ 55.1%
Equity and liabilities €462k
Equity
€147k▲ 3.9%
Debt
€315k▼ 23.7%
The debt ratio falls from 74.4% to 68.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€147k▼
2024 · €162k
Cash flow
€117k▼
2024 · €124k
Solvency
31.9%▲
2024 · 25.6%
Current ratio
0.96▼
2024 · 1.06
Quick ratio
0.89▼
2024 · 1.03
Debt / equity
2.14▼
2024 · 2.91
ROE
56.1%▼
2024 · 63.1%
ROA
17.9%▲
2024 · 16.1%
Interest coverage
16.29▼
2024 · 17.35
Debt
€315k▼
2024 · €412k
Debt ≤ 1 year
€66k▼
2024 · €132k
Debt > 1 year
€249k▼
2024 · €280k
Income taxes
€22k▼
2024 · €29k
Staff costs
€0▲
2024 · €-2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€554k€462k▼
Fixed assets21/28€414k€399k▼
Tangible fixed assets22/27€414k€399k▼
Land and buildings22€364k€365k▲
Plant, machinery and equipment23€39k€28k▼
Furniture and vehicles24€11k€6k▼
Current assets29/58€140k€63k▼
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€805€14k▲
Trade receivables40€0-
Other amounts receivable41€805€14k▲
Cash at bank and in hand54/58€124k€35k▼
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€554k€462k▼
Equity10/15€142k€147k▲
Contributions10/11€20k€20k=
Reserves13€89k€127k▲
Distributable reserves133€89k€127k▲
Profit (loss) carried forward14€32k€0▼
Amounts payable17/49€412k€315k▼
Amounts payable after more than one year17€280k€249k▼
Financial debts170/4€280k€249k▼
Amounts payable within one year42/48€132k€66k▼
Current portion of amounts payable after more than one year42€31k€36k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Advances received on contracts in progress46€12k€12k=
Taxes, remuneration and social security45€65k€10k▼
Taxes450/3€61k€10k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€19k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€-2k€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€167k€154k▼
Operating profit (loss)9901€127k€113k▼
Financial income75/76B€380€697▲
Recurring financial income75€380€697▲
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€118k€105k▼
Income taxes67/77€29k€22k▼
Profit (loss) for the period9904€89k€83k▼
Profit (loss) for the period to be appropriated9905€89k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€187k€115k▼
Profit (loss) brought forward from the previous period14P€97k€32k▼
Transfer from equity791/2-€77k
Transfer to equity691/2€89k€115k▲
To other reserves6921€89k€115k▲
Profit to be distributed694/7€65k€77k▲
Return on contributions (dividend)694€65k€77k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €89k ▲29%
Operating result €127k, net result €89k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €116k ▲35.9%
3 profitable years in a row build equity to €116k.
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 85 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vuurtorenstraat 18301 Knokke-HeistGround area
228 m²
Building footprint
258 m²
Volume, LiDAR
6,265 m³
Parcel 31008I0079/00A000, Flanders · tallest building 29.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
P&A Heist
since 20192.285.279.616
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31008I0079/00A000 | Flanders | 228 m² | 1 · 258 m² | 29.2 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKnokke-Heist2.285.279.616
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Of 7,476 companies in sector 56210 we hold annual accounts for 2,426. 1,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2019
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:patricksmythe@hotmail.com